In-vehicle insurance applications, Methods and systems for automatically collecting insurance risk related data
First Claim
1. A computerized method for automatically collecting and storing vehicle operation data for determining an insurance risk associated with an insured individual, the method comprising:
- storing, in a memory of a vehicle computing device, an insurance application;
receiving, at a processor of the vehicle computing device, from vehicle sensors, the vehicle operation data, wherein the vehicle operation data is representative of information related to operation of a vehicle;
receiving, at the processor of the vehicle computing device, insurance policy data, wherein the insurance policy data is representative of an identification of an insurance policy associated with the vehicle;
generating, at the processor of the vehicle computing device, insurance risk related data by executing the insurance application on the processor of the vehicle computing device, wherein execution of the insurance application allows selection of content of the vehicle operation data by the insured individual, and wherein the insurance risk related data is based, at least in part, on the content of the vehicle operation data selected by the insured individual and the insurance policy data; and
causing the processor to automatically store the insurance risk related data in the memory coupled to the processor of the vehicle computing device.
1 Assignment
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Accused Products
Abstract
The applications, methods and systems of the present disclosure provide selective and automatic data collection for insurance risk determination purposes. In particular, an insurance application may be stored in a vehicle computing system memory and may be executed by a vehicle computing system processor to collect and store vehicle operation related data. An in-vehicle computing device may transmit the collected data to a remote server via a wireless communication network. Alternatively, the in-vehicle computing device may transmit the collected data to a mobile telephone via a wireless communication network.
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Citations
20 Claims
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1. A computerized method for automatically collecting and storing vehicle operation data for determining an insurance risk associated with an insured individual, the method comprising:
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storing, in a memory of a vehicle computing device, an insurance application; receiving, at a processor of the vehicle computing device, from vehicle sensors, the vehicle operation data, wherein the vehicle operation data is representative of information related to operation of a vehicle; receiving, at the processor of the vehicle computing device, insurance policy data, wherein the insurance policy data is representative of an identification of an insurance policy associated with the vehicle; generating, at the processor of the vehicle computing device, insurance risk related data by executing the insurance application on the processor of the vehicle computing device, wherein execution of the insurance application allows selection of content of the vehicle operation data by the insured individual, and wherein the insurance risk related data is based, at least in part, on the content of the vehicle operation data selected by the insured individual and the insurance policy data; and causing the processor to automatically store the insurance risk related data in the memory coupled to the processor of the vehicle computing device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for automatically collecting and storing insurance risk related data from a vehicle, the system comprising:
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a vehicle operations data collection module stored on a memory that, when executed on a processor, causes the processor to collect vehicle operation data from vehicle sensors, wherein the vehicle operation data is representative of operation of a vehicle by an insured individual; an insurance application module stored on the memory that, when executed on the processor, causes the processor to collect insurance policy data, wherein execution of the insurance application allows selection of content of the vehicle operation data by the insured individual, and wherein the insurance policy data is representative of an association between the vehicle and an insurance policy; an insurance risk related data generation module stored on the memory that, when executed on a processor, causes the processor to generate insurance risk related data, wherein the insurance risk related data is based, at least in part, on the content of the vehicle operation data selected by the insured individual and the insurance policy data, and wherein the insurance risk related data is representative of an association between the vehicle and the insurance policy; and an insurance risk related data transmission module stored on the memory that, when executed by the processor, causes the processor to automatically transmit insurance risk related data. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A computer-readable storage medium comprising non-transitory computer-readable instructions stored thereon and to be executed on a processor of a vehicle computing system for automatically collecting and storing insurance risk related data associated with an insured individual, the stored instructions comprising:
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a vehicle operations data collection module that, when executed on a processor, causes the processor to collect vehicle operation data from vehicle sensors, wherein the vehicle operation data is representative of operation of a vehicle; an insurance application module that, when executed on the processor, causes the processor to collect insurance policy data, wherein execution of the insurance application allows selection of content of the vehicle operation data by the insured individual, and wherein the insurance policy data is representative of an association between the vehicle and an insurance policy; an insurance risk related data generation module that, when executed on a processor, causes the processor to generate insurance risk related data, wherein the insurance risk related data is based, at least in part, on the content of the vehicle operation data selected by the insured individual and the insurance policy data, and wherein the insurance risk related data is representative of an association between the vehicle and the insurance policy; and an insurance risk related data transmission module that, when executed by the processor, causes the processor to automatically transmit insurance risk related data. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification